If the property that you have brought on the business trip is lost or stolen, the insurance will reimburse each item. Deduction is made for age, wear and tear.
Theft prone property such as money, jewelry, computers, mobile phones, etc. shall always be handled as hand luggage with full attention. Also, theft prone property shall never be left unattended in a car.
If the claimant declines to fulfill the safety regulations a reimbursement could be reduced or fully rejected.
If for example your mobile phone or laptop get damaged during a business travel, the insurance covers the repair cost in firsthand. If repair is not possible according to the repair store, the insurance will reimburse the property with deduction for age, wear and tear.